Salish and Kootenai Bancorporation, Polson, Montana, to become a bank holding company by acquiring 100 percent of the capital stock of Eagle Bank, Polson, Montana, a de novo bank.

Newspaper:

Not available

Federal Register:

03/03/2006

WESTBRAND, INC.

Member* 3A3

Westbrand, Inc., Minot, North Dakota, to acquire 100 percent of First Western Bank, Eden Prairie, Minnesota, and incident thereto, First Western Bank, Eden Prairie, Minnesota, a de novo bank, to become a member of the Federal Reserve System.

Newspaper:

03/20/2006

Federal Register:

03/17/2006

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: